Paisalo Digital Takes a Big Step towards Sustainable Tech Innovation with Installation of Energy-Efficient Liquid-Cooled Server in Mumbai

In a significant step towards its environmental and sustainability goals, Paisalo Digital Limited has installed a high-efficiency liquid immersion cooling server at its Mumbai office. Paisalo Digital’s new server infrastructure will support its ongoing efforts to scale its ongoing developments in Generative AI capabilities across operations. This move also underscores the company’s ongoing commitment to integrating sustainable practices into its operations while enhancing data efficiency and reducing carbon footprint.

The new server setup is projected to avoid approximately 55.8 tonnes of CO₂ emissions annually at a 14 kW IT load by improving the Power Usage Effectiveness (PUE) from 1.8 to 1.15. This reduction is equivalent to the annual carbon absorption of around 2,536 mature trees. In addition, the initiative will result in an annual electricity saving of nearly 79,716 kWh at peak load, marking a substantial contribution toward operational energy efficiency. Aligned with the United Nations Sustainable Development Goals (SDGs) 6, 7, 9, 11, 12, and 13, this initiative reflects Paisalo Digital’s forward-looking approach to responsible innovation and environmental stewardship. The company plans to integrate the ESG benefits of this installation in its Q3 sustainability reporting, further reinforcing its mission of driving inclusive and responsible growth through innovation.

Santanu Agarwal, Deputy Managing Director, Paisalo Digital Limited, said, “At Paisalo, AI and sustainability are integral to how we grow and innovate. The installation of our new high-efficiency liquid-immersion-cooled server in Mumbai is not just a technological upgrade; it represents our commitment to building a future-ready, environmentally responsible organisation. By embracing such energy-efficient solutions, we aim to contribute meaningfully to global sustainability goals while setting new benchmarks in the BFSI industry.”

Additionally, the company promoter group entity, EQUILIBRATED VENTURE CFLOW (P) LTD., acquired 3,94,034 equity shares of face value Re 1 each via an open market transaction. This acquisition brings the promoter group's total shareholding in Paisalo Digital to 20.43 per cent or 18,57,86,480 shares, reflecting a continued commitment to the company. The target company's total equity share capital remains unchanged at 90,95,21,874 equity shares of Re 1 each following the transaction.

About the Company

Paisalo Digital Limited is engaged in the business of providing convenient and easy loans to the financially excluded at the bottom of India's economic pyramid. The company has a wide geographic reach, with a network of 4,380 touchpoints across 22 states & UTs in India. The company’s mission is to simplify small-ticket size income generation loans by establishing ourselves as a trusted, high-tech, high-touch financial companion for the people of India.

The company reported strong financial growth for the quarter ending September 30, 2025. The company's Assets Under Management (AUM) demonstrated robust growth, increasing 20 per cent year-over-year (YoY) to Rs 5,449.40 crore. This growth was supported by a significant increase in disbursements of 41 per cent YoY to Rs 1,102.50 crore. Overall, the company's Total Income grew by 20 per cent YoY to Rs 224 crore, with Net Interest Income (NII) rising by 15 per cent YoY to Rs 126.20 crore. The expansion efforts are evident in the increased geographical reach, which grew to 4,380 touchpoints across 22 states, and the customer franchise expanded to a record of approximately 13 million, adding about 1.8 million customers during the quarter. The company also saw USD 4 million of its maiden USD 50 Mn Foreign Currency Convertible Bond (FCCB) converted into share capital during the quarter.

The company maintained a stable and healthy asset quality, with Gross Non-Performing Assets (GNPA) standing at a low 0.81 per cent and Net Non-Performing Assets (NNPA) at 0.65 per cent. This stable asset quality is complemented by a strong collection efficiency of 98.4 per cent for the quarter. Furthermore, Paisalo Digital's financial position remains robust, highlighted by a Capital Adequacy Ratio of 38.2 per cent (with Tier 1 capital at 30.3 per cent), which significantly exceeds regulatory requirements. The Net Worth also saw a substantial increase, growing 19 per cent YoY to Rs 1,679.90 crore. These results underscore Paisalo Digital's effective strategy in leveraging its digital capabilities and three decades of experience to achieve sustainable, high-growth lending to the financially excluded while maintaining strict control over asset quality and capital strength.

This integration of High Tech: High Touch, a customer-centric approach, and data analytics empowers Paisalo to deliver tailored, scalable solutions while minimising risks and maintaining the highest standards of governance and regulatory adherence. The stock is up 16.60 per cent from its 52-week low of Rs 29.40 per share. As of September 2025, SBI Life Insurance Co. Ltd owns a 6.83 per cent stake.

Disclaimer: The article is for informational purposes only and not investment advice.